Get $50K to $500K in as fast as 3 days to move now, then repay or refinance when your SBA loan funds. One clear monthly payment, never a daily debit. No hard credit pull to check.
1000+
Businesses funded
$50K to $500K, funded in 3 to 7 days
20+
Years of lending experience
board member, National Association of Government Guaranteed Lenders
$300M+
Deployed
for payroll, inventory, equipment, expansion, and debt refinancing
Why owners choose ChatBiz
SBA can take 45 to 60 days. A bridge funds in as fast as 3, so the opportunity does not close first.
A 10 year fully amortized core loan at 13 to 18%, built so you can repay or refinance cleanly the day your SBA loan closes.
A fixed monthly payment and a clear payoff date, so your cash flow holds while the SBA process runs.
What you get
Amount
$50K–$500K
for working capital or refinancing existing debt
Rate
13–18%
a clear fixed APR, never a factor rate
Term
10 years
fully amortized, with a clear payoff date
Payments
Monthly
never a daily or weekly debit
Funding
As fast as 3 days
most complete files fund within about a week
Eligibility check
No hard credit pull
a soft pull only, about 2 minutes
Owners who grew with ChatBiz
★★★★★
"They turned complex financial challenges into smooth solutions - and made the process enjoyable."
Christopher McKenney
SBA Loan
★★★★★
"ChatBiz helped me when I needed clarity and gave great advice throughout the process."
Carlos de Varona
Refinance
★★★★★
"ChatBiz made it easy from day one. They advised me on my bookkeeping and helped me get approved when I really needed clarity and support."
Akhil Bhandare
Working Capital
Talk to a funding advisor who understands small business, before, during, and after you are funded. No call centers, no runaround.
(727) 432-0428
Monday–Friday · 9 a.m.–7 p.m. ET
Common questions
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Check your eligibility for a $50K to $500K bridge, funded in as fast as 3 days. No hard credit pull, no obligation.
Check my eligibilityNo hard credit pull. No obligation. We never sell your data.
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